| Benefits |
Benefit Amount |
| |
PRUValue Med with PRUValue Med Booster |
PRUValue Med |
| Plan 150 (RM) |
Plan 200 (RM) |
Plan 300 (RM) |
Plan 400 (RM) |
Plan 500 (RM) |
Plan 600 (RM) |
Plan 150 (RM) |
Plan 200 (RM) |
Plan 300 (RM) |
Plan 400 (RM) |
Plan 500 (RM) |
Plan 600 (RM) |
| Room & Board Benefits |
| a) Hospital Daily Room & Board (R&B) |
150 |
200 |
300 |
400 |
500 |
600 |
150 |
200 |
300 |
400 |
500 |
600 |
| Per day (RM) |
| No maximum number of days per year |
Up to 150 days per year |
| Hospital & Surgical Benefits |
| b) Intensive Care Unit / Cardiac Care Unit |
As charged1
(No maximum number of days per year) |
As charged1
(Up to 90 days per year) |
|
c) In-hospital & Related Services
- Surgical Benefit
- Hospital Supplies and Services
- Operating Theatre
- Anaesthetist Fees
- In-hospital Specialist’s Visit
(limit to 2 visits per day)
|
As charged1 |
As charged1 |
| Outpatient Treatment Benefits |
|
d) Pre-hospitalisation Treatment
|
As charged1
(Within 90 days before hospitalization) |
As charged1
(Within 60 days before hospitalization) |
|
e) Post-hospitalisation Treatment
|
As charged1
(Within 90 days after hospital discharge) |
As charged1
(Within 90 days after hospital discharge)
|
|
|
As charged1
(Within 365 days after hospital discharge) |
f) Home Nursing Care
(up to 180 days per lifetime)
g) Day Surgery
h) Day Care Procedure |
As charged1 |
As charged1 |
i) Outpatient Cancer Treatment
j) Outpatient Kidney Dialysis |
As charged1
No limit per lifetime
(Including take home drugs, examination tests & consultation) |
As charged1
Up to 1.5 times of the initial Med Value Point per lifetime
(Including take home drugs, examination tests & consultation) |
| Other Benefits |
| k) Maternity Complications Benefit |
As charged1
(No limit per year) |
Up to 5,000 per year |
| l) Intraocular Lens |
Up to 6,000 per lifetime |
Up to 6,000 per lifetime |
| m) Emergency Treatment For Accidental Injury |
1,500 |
2,000 |
3,000 |
4,000 |
5,000 |
6,000 |
1,500 |
2,000 |
3,000 |
4,000 |
5,000 |
6,000 |
| Med Saver or Deductible2 |
Yes or No.
If Yes, flexible option:
Med Saver Options: 300/ 1,000/ 3,000/ 5,000/ 10,000
Deductible Options: 20,000/ 50,000/ 75,000/ 100,000 |
| Med Value Point3 |
Flexible option:
1.1 mil, 1.6 mil or 2.1 mil
Increase by 100,000 every year |
Flexible option:
1.15 mil, 1.65 mil or 2.15 mil
Increase by 150,000 every year |
Flexible option: 1 mil/ 1.5 mil/ 2 mil
|
| Med Value Point Bonus4 |
None |
Med Value Point increases at 2% of the initial Med Value Point (exclude the portion from PRUValue Med Booster) at the end of every 2 policy years, provided no claim has been incurred during the 2 policy years. |
None |
Med Value Point increases at 2% of the initial Med Value Point at the end of every 2 years, provided no claim has been incurred during the 2 years. |
| No Claims Benefit* - Preventive Care |
500 per year |
1,000 per year |
None |
| Emergency Medical Assistance5 |
Yes |
Yes |
| Expert Medical Opinion5,6 |
Yes |
Yes |
Notes:
1 We shall only reimburse Reasonable and Customary Charges on eligible expenses which are deemed Medically Necessary.
2 If Med Saver is chosen, policyholder must first pay a fixed amount equivalent to Med Saver selected out of the total Reasonable and Customary Charges of eligible benefits, which are Hospital & Surgical Benefits, Outpatient Treatment Benefits, Maternity Complications Benefit and Emergency Treatment For Accidental Injury (excluding the cost of Hospital Daily Room & Board and Intraocular Lens) for any one disability.
Otherwise, if Deductible is chosen, you must first pay a fixed amount equivalent to the Deductible selected out of the total Reasonable and Customary Charges of accumulated eligible benefits, which are Hospital Daily Room & Board, Hospital & Surgical Benefits, Outpatient Treatment Benefits and Other Benefits within an annexure year.
If Med Saver or Deductible are not chosen, the fixed amount shall not apply.
3 Claims on eligible benefits will be payable in full (subject to Med Saver or Deductible, if applicable) up to the Total Med Value Point. If the total benefits we pay to you have exceeded the Total Med Value Point, we shall pay 80% of the eligible benefit's excess cost. Total Med Value Point is equivalent to the sum of initial Med Value Point, any accumulated Med Value Point bonus and additional Med Value Point (from PRUValue Med Booster).
4 When total claims paid exceeds the Total Med Value Point, no further Med Value Point Bonus shall be provided even if there are no further claims.
5 Emergency Medical Assistance and Expert Medical Opinion are services provided from third party providers which are non-contractual in nature and do not form part of the policy. We have the right to terminate this service by giving a 90 days written notice.
6 Expert Medical Opinion is a value added service that provides second medical opinion from medical experts in various areas of specialization. This service is to assist you to learn more about your medical conditions and make an informed decision on the treatment plans.
*If no claim has been incurred during the preceding year.
For Overseas Treatment, if the Life Assured chooses to have or is referred to be treated outside Malaysia, the benefits for the treatment are limited to the Reasonable and Customary and Medically Necessary charges for equivalent local treatment in Malaysia and subject to 90 days residence limit.
Please refer to Medical Plus Solution page for further details such as full list of benefits, exclusions, waiting period and other terms and conditions.
Note: Medical Plus Solution is a package offered using PRULink Cover as the basic plan with selected optional riders including PRUValue Med with PRUValue Med Booster.
